Self-employed
No employer plan? Let’s compare coverage that fits how you work and what you earn.
Independent insurance. Personal guidance.Health insurance
Health insurance
can be confusing.
Let’s make it simple.
Hi, I’m Mitch. I help individuals, families, and self-employed people compare health coverage, understand the costs, and choose with confidence.
Book a call ↗Health • Dental • Vision • Life
Mitchell BendamioYour broker. In your corner.
UnitedHealthcareBlue Cross Blue ShieldCignaAetna
Availability varies by state, coverage type, plan, and eligibility.
Who I helpYou don’t have to
You don’t have to
figure it out alone.
Individuals & families
A changing premium, a growing family, or a fresh start. Let’s review what fits your life now.
Small business owners
Explore available options for you and your team, with a clear view of costs and benefits.
Coverage for real life
Find your starting point.
Start with the coverage you need. We’ll work through the details together.
Marketplace health
Explore individual and family plans available through the Marketplace. Financial assistance may be available based on household eligibility. Enrollment timing and qualifying life events matter.
Ask about marketplace health ↗Private health
Compare available off-Marketplace options and review the full policy details. Some plans require medical underwriting and may exclude pre-existing conditions or provide limited benefits. We’ll discuss those differences.
Ask about private health ↗Dental
Review preventive, basic, and major dental benefits. Networks, waiting periods, annual benefit limits, and coverage for specific procedures vary by plan.
Ask about dental ↗Vision
Explore benefits for eye exams, glasses, and contact lenses. Provider networks, allowances, and how often benefits can be used depend on the plan.
Ask about vision ↗Life insurance
Talk through life insurance options based on your goals and budget. Coverage, premiums, underwriting, and any cash value features depend on the policy.
Ask about life insurance ↗Meet your brokerA real person.
A real person.
A clearer path forward.
I’m Mitchell Bendamio, an independent insurance broker based in Fort Lauderdale. I take the time to learn what matters to you, explain the tradeoffs, and help you understand what you’re choosing.
My goal is a relationship that continues after enrollment, with someone you can reach when questions come up.
Let’s talk ↗Talk through your situation.
We discuss your current coverage, monthly budget, and what you want to improve.
Review what matters.
We check your doctors and prescriptions against the exact plans, then compare costs, benefits, and limitations.
Decide your next step.
I explain the options in plain language. You decide what fits, with no obligation to enroll.
Your next stepLet’s make
Let’s make
coverage clearer.
Pick a time to talk, or reach out directly.
Book a consultation ↗305.793.7024No obligation. Just a conversation.
Prefer that I reach out to you?
Leave your details and the best time to reach you.
Already know your schedule? Booking a time above is the quickest way to arrange your consultation.
A little more clarity
Helpful resources.
Understand insurance basics
Premium
What you pay to keep coverage
Your premium is the amount you pay regularly to keep a policy active. It is separate from deductibles, copays, and other costs when you receive care. A lower premium does not always mean a lower total cost.
Deductible
What you pay before certain benefits begin
A deductible is what you pay for covered services before your plan starts paying for services subject to it. Some services may be covered before you meet the deductible. Check the plan’s specific rules.
Copay & coinsurance
Two ways to share costs
A copay is a fixed amount for a covered service. Coinsurance is a percentage of the allowed cost. With 20% coinsurance on a $100 allowed charge, your share would be $20, assuming the deductible has been met and the service is covered.
Out-of-pocket maximum
A limit with conditions
For plans that have one, this is a limit on certain covered costs during the plan year. Premiums, noncovered services, and many out-of-network costs do not count. Review which expenses apply to your plan’s limit.
Provider networks
Check more than the carrier name
A carrier may offer several different networks. Confirm your doctor, hospital, and pharmacy against the exact plan and network before enrolling. Network participation can change.
Marketplace vs private
Start with the actual policy
Marketplace plans follow ACA requirements and may offer income-based assistance. Off-Marketplace coverage includes different types of policies, including ACA-compliant plans and plans with different protections or limits. The policy details matter more than the label.
General education only. Your policy and official plan documents govern your benefits.
Common questions
Can you help me compare my current coverage?
Yes. We can review your current plan alongside available options, including the premium, benefits, network, and out-of-pocket costs. Switching only makes sense when the details fit your needs.
Do you work with Marketplace and private plans?
Yes. We can discuss both, where available. Eligibility, enrollment periods, underwriting requirements, benefits, and exclusions differ by plan and state.
What should I have ready for our call?
Your current plan information, a list of doctors and prescriptions, and your priorities are helpful. Please discuss personal health or financial details directly with Mitch rather than sending them through this website.
Am I signing up by contacting you?
No. An initial conversation does not enroll you in coverage or obligate you to purchase a plan.
For realtors & referral partners
Connect your clients with a broker who will explain their options. Share this site so they can choose when to reach out. Please do not send someone else’s medical or personal information.
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